Mod of /r/homeautomation here (mentioned in the article as “Dan”) and yeah, you pretty much nailed it. In our case the biggest concern was amateurs working with electricity. The “which wire is which” posts were often greeted with a “black hot, white neutral” response which on the surface is generally correct. However, there are lots of cases (especially in houses older than say 20 years) where that can be wrong and dangerous. It’s further complicated by the fact that multiple live circuits can exist in the same box so even if you killed power to the light you are working on the box may still have live wires.
As with canning, homeowners dying from electrocution is rare, but it doesn’t negate the danger. I’ll wire shit hot all the time (much to my wife’s annoyance) but I’ve been doing this for years and with lots of guidance and supervision. I will also very much KNOW what’s hot and what’s not both through a no-contact probe and a voltmeter. Electricity isn’t something people should be messing around with if they don’t have at least a basic understanding.
I’ve rambled long enough, lol. Funny enough, I also live in the state where the train derailment happened in February (though I was nowhere near it).